To clarify these issues, our colleagues from RTL Radio spoke with Marc Hengen, Director of the Luxembourg Insurance Association (ACA).
First of all, it is important to distinguish between professional activities and private dwellings. In Luxembourg, the sale and possession of pyrotechnic devices and firecrackers by private individuals are strictly regulated.
Hengen explained that a reasonable approach is essential when considering what can be safely stored at home. For instance, possessing a few unused fireworks is not the same as stockpiling boxes of rockets. According to Hengen, the former does not constitute illegal possession of dangerous materials.
However, if an individual were to store excessive quantities of fireworks and they caused a fire, the insurance company might deny the claim and refuse to cover the damages.
The same principle applies to other flammable substances, such as petrol for lawnmowers. Hengen noted that while keeping a small quantity of petrol, such as a single jerry can, is generally acceptable, the amount stored must remain reasonable. He also emphasised that the installation and maintenance of equipment like heaters running on fuel or gas are regulated.
Firearms are subject to even stricter regulations. Hengen pointed out that weapons must be stored in a locked location, separate from their ammunition, and that gun owners must possess a valid licence to be insured in the event of an incident.
Hengen concluded by advising residents to consult their insurance agent with any questions or uncertainties about storing potentially hazardous items at home.
